904 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 904 Duncan Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,649 sqft · built 1894
Lot Size	0.145 acres (6,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2020)
Tax Bill	$6,497 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-251-018`

Property Details

APN / Parcel Number

Primary APN	`06-12-251-018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,649 sqft Living Area
Gross Area	2,566 sqft
Basement Area	917 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Construction Type	Frame
Lot Area	6,336 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	904 DUNCAN AVE
City	ELGIN
State	IL
Zip	60120-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAND VIEW ADDN EXCEPT NORTH 18 FT OF LOT 16 BLOCK 3
Legal Subdivision	GRAND VIEW ADDN
Legal Block	3
Legal Lot Number	16
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	850800

Owner

Source: Kane County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	904 DUNCAN AVE, ELGIN, IL 60120-3009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL HOMEBUYERS FUND
Oct 16, 2020	Special Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Dec 10, 2019	Grant Deed, Transfer ATTORNEY ONLY
Sep 27, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Dec 10, 2019 · Amount on Record
Deed Document Number	202061747
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	904 DUNCAN AVE, ELGIN, IL 60120-3009
Document Number	0000061748
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 DUNCAN AVE ELGIN IL 601203009, ELGIN, IL 60120-3009

Mortgage

Document Number	0000061748
Date	Oct 16, 2020
Instrument	61748

Lender

Name	NATIONAL HOMEBUYERS FUND
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 15, 2025

October 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 16, 2020
Property Address	904 DUNCAN AVE, ELGIN, IL 60120-3009
Document Number	0000061747
Instrument Date	Apr 2, 2020
Instrument	2020K061747
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	920 DOWDT #220220, 920, NEWPORT BEACH, CA 92660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 DUNCAN AVE, ELGIN, IL 60120-3009

Mortgage

Document Number	0000061749
Date	Oct 16, 2020
Instrument	2020K061749

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

Mortgage

Document Number	0000061748
Date	Oct 16, 2020
Instrument	2020K061748

Lender

Name	NATIONAL HOMEBUYERS FUND INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	55 Months
Due	Apr 30, 2025

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Dec 10, 2019
Property Address	904 DUNCAN AVE, ELGIN, IL 60120-3009
Document Number	0000059802
Instrument Date	Nov 20, 2019
Instrument	59802
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$138.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	901 DOVE ST #220 NEWPORT BEACH CA 926603001, 220, NEWPORT BEACH, CA 92660-3001
Investor	Possibly a Property Investor

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Sep 27, 2019
Property Address	904 DUNCAN AVE, ELGIN, IL 60120-3009
Document Number	0000045542
Instrument Date	Aug 26, 2019
Instrument	45542
Transaction Type	Foreclosure
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 MORELAND ST OWENSBORO KY 423012046, OWENSBORO, KY 42301-2046

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,497.00 (+15.83%) Homeowner's exemption	$93,167 (+8.57%) Land $15,416 Building $77,751	$279,613 (+8.57%) Land $46,267 Building $233,346
2024		$85,813 (+21.39%) Land $14,199 Building $71,614	$257,542 (+21.44%) Land $42,614 Building $214,928
2022	$5,609.00 (+4.63%) Homeowner's exemption	$70,690 (+6.96%) Land $11,697 Building $58,993	$212,070 (+6.96%) Land $35,091 Building $176,979
2021	$5,361.00 Homeowner's exemption	$66,090 Land $10,936 Building $55,154	$198,270 Land $32,808 Building $165,462

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 592 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T DSL	100 / 20

May also be available: Verizon.

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